Windsor RX by Sterling Life

Windsor RX is Medicare Prescription Drug Plan or PDP backed by Sterling Life Insurance company.  In addition to the Windsor RX PDP, Sterling offers Medicare Advantage Plans in the form of HMO’s, PPO’s, and PFFS.  Unlike many PDP’s, Windsor RX is not nationally available.  The service area for the Windsor RX plan includes 19 different states.

Windsor RX Coverage

The coverage for the Windsor RX plan will depend on what state you live in.  AL, AR, MS, and TN all fall under one plans while IA, MN, MT, ND, NE, SD, and WY all fall under another plan.  The other covered states include SC, LA, TX, ID, UT, OK, OR, and WA.  These states carry their own separate coverage, or share coverage with only one other state.  Below is the important details of the coverage provided through Windsor RX.

  1. Premium – $20.80 to $34.90 depending on what state you live in
  2. Deductible – $320 for all plans
  3. Tier 1 – $6 = 30 days and $18 = 90 days in all states
  4. Tier 2 – $34 to $45 depending on what state you live in
  5. Tier 3 – $80 to $90 depending on what state you live in
  6. Tier 4 – 25% on all plans
The best way to find what you would pay is to visit the Windsor RX website and select your county and state.  As with most PDP’s the Windsor RX plans uses a formulary to determine what drugs are covered.  Their formulary contains at least two drugs in each class of the most commonly used drugs so finding your drug should not be difficult.  In some cases they cover all drugs in a certain drug class.  They do use a network of pharmacies that you must go to in order to fill your drugs.  Their network  of pharmacies is considered to be extensive.  Always remember to check your drugs against the companies drug list to make sure that they are covered, and to find out what tier they are in.
Note:  The Windsor RX plan rating with Medicare is 2.5 to  3 stars!

Medicare Part D

5

5 Tips For Shopping Your Medicare Coverage

As your well aware by now, the Medicare AEP, Annual Election Period, is in full force.  The AEP runs from October 15 – December 7 and allows you to make changes to your current Medicare Advantage and Prescription Drug coverage.  Any changes that you make during this time will go into effect January 1st.  Making these […]

Loving, Handsome Senior Couple

Shop Your Medicare Plan During The 2015 Open Enrollment

Nobody likes change and that holds especially true when it comes to insurance.  The worst thing you can do, however is nothing!  That’s because Medicare coverage is changing every year, and that holds true in 2015 as well.  So even if you do nothing, your coverage is changing without you whether you like it or […]

2015 Medicare Annual Election Period (AEP) Underway

Every year the Medicare AEP or Annual Election Period arrives with much anticipation.  You may not know when it starts or what you can do, but you will definitely know it’s here when you start seeing the plethora of television, print ads, and billboards touting the latest and greatest coverage. 2015 Medicare AEP The 2015 […]

2015 Medicare Advantage And PDP Plans Now Available

You are now able to find every Medicare Advantage and Prescription Drug Plan available for 2015.  When I started the Medicare Plans site, my goal was to be able to bring you the ability to search and find any Medicare plan that was available.  This process was a long and difficult one, but now the […]

Medicine-pills

Formulary List Do’s and Don’ts

When it comes to Medicare, the one thing you can NOT overlook is the Formulary list that is provided by the insurance company.  Many times we find ourselves caught up in copays and provider networks that we forget to do one of the most important things.  Check the plan’s formulary list to make sure your […]